Extremely threatening letter please help!

lynzpower

But if she has been paying or offering payment to these creditors in the last 6 years, that wont count will it?

milliejon

Hi angel. I completely understand what you're saying about asking your husband to help you out with debts you accumulated before meeting him. However, I had huge debts after a divorce when I met my partner. I was always up front with him about them and he was willing to help out with them. He's now my husband, and we're working together to pay off the debts. When we're free of them we'll be able to enjoy a debt free, credit card free life.

By my calculations, using the figures you gave earlier, you have no money left to pay any of the debts after paying out on the items you listed. However, you need help with these debts. I've used the National Debtline. They have been really helpful, so I've been able to negotiate with my creditors myself, but they will do it for you.

As they are personal debts (except the one shared with your ex) they are all your debts to pay. However, I'm pretty sure that the CAB website mentions that partners should contribute, because the household income is important in repaying debts. On a debt management plan or if the cases went to court, the household income and outgoings would be taken into account.

Please, please get in touch with CAB, PayPlan, CCCS or National Debtline.

angelfire

I'll have to obtain my credit file but i'm almost sure that i DO have CCJ's for both big debts. Would the letter posted still apply?

Thanksyou for your info by the way, it is much appreciated!

lynzpower

Im not an expert on this !!!!!!, but my feeling is once its got to CCJ stage thats it and I dont think the letter will still apply.

Someone must know, Id be interested to know too

sportbeth

No, once the CCJ is there, I think it is enforceable for... like forever. With this you run the risk of a bailiff getting involved as well if it goes too far. Sorry, didn't realise this.

The only bonus is that with a county court involved your budget will be listened to and repayments will be set at a reasonable level. A debt collector will always try and frighten you into paying them more.

angelfire

Ok, so I need a copy of my credit file first then take it from there.

At least I have a starting point now, then I can start to deal with things!

Thankyou to everyone who has replied thus far - you have all been a fantastic help. I will post back and update you with my progress!

wuckfit

you can also dispute the debt, that is to get them to prove that they have bought the debt correctly. If they cannot provide a true copy of a signed credit agreement then I think it is unenforceble. Doubtless, others with more experience can be more specific on this one.

Addicted2Chocolate

ok: re statutory demand. This is the first step before being made bankrupt.
The creditor can present a statutory demand and must serve it on you at your last known address. If you have moved without telling them then can and will serve at the last known address. If they cannot serve the stat demand personally they will seek an order for substituted service, so they can serve it by post. If the stat demand is unsatisfied they can present a bankruptcy petition, again serving it by post if the court agrees. if the bankruptcy petition is also unsatisfied there will be a bankruptcy hearing, and if you fail to attend and the court is satisfied you owe the money you can be made bankrupt in your absence.
If declared bankrupt the Official Receiver wil track you down: for example by obtaining your credit file.
I suggest you seek legal advice or go to CAB.

realwildone

Monthly Outgoings:

Nursery Fees: 450.00
Debts already being paid off: 25.00
Car insurance: 35
Petrol/tax/servicing:110
Daughter's gymnastics/cheerleading fees: 54.00
Contact Lenses: 12.00
Mobile Phone: 15.00
Grocery Shopping/general housekeeping: 280.00

There are no living expenses here Morgage/Rent/heating/lighting/council tax etc

angelfire

Addicted2Chocolate wrote:

ok: re statutory demand. This is the first step before being made bankrupt.
The creditor can present a statutory demand and must serve it on you at your last known address. If you have moved without telling them then can and will serve at the last known address. If they cannot serve the stat demand personally they will seek an order for substituted service, so they can serve it by post. If the stat demand is unsatisfied they can present a bankruptcy petition, again serving it by post if the court agrees. if the bankruptcy petition is also unsatisfied there will be a bankruptcy hearing, and if you fail to attend and the court is satisfied you owe the money you can be made bankrupt in your absence.
If declared bankrupt the Official Receiver wil track you down: for example by obtaining your credit file.
I suggest you seek legal advice or go to CAB.

What are the actual chances of this happening though?